SUMMARY

Responsible for performing a variety of services for our customers in a timely and professional manner. Also responsible for the preparation of new loans and the maintenance of existing loans.

ESSENTIAL DUTIES

Greeting customers

Represent the bank to the customer in a courteous and professional manner.

Furnish prompt, efficient, and accurate service

Attention to detail and excellent communication skills are required

Maintain work area in a clean, neat, and professional appearance

Accept credit applications

1. Obtain CIP documentation for individuals and run credit reports
2. Obtain borrowing authorization documents for entities, run BizChex and obtain Certificates of Good Standing

Create new customer CIF’s on Silverlake and complete BSA – Yellowhammer questions

Coordinate the preparation of loan closing documents with internal and external individuals for Consumer, Real Estate, Commercial and Agricultural loans including Letters of Credit, Floor Plans and Guidance Lines.

Coordinate document ordering

1. Open title insurance orders with title companies
2. Request appraisal, environmental and evaluation orders through Real Estate Valuation Dept.

Coordinates with SBA and other government guaranteed loan programs on gathering the proper documentation on government guaranteed loans

Scheduling, closing and funding of loans;

Prepare or assist in the preparation of the Loan Input Worksheet which is used to prepare the Commercial/Ag Loan Memo, provides information for Loan Doc Prep to prepare loan documents, and provides checklists (borrowing entity and collateral documentation) for Doc Review ticklers

Input information into TCI (Decision Lender) software for consumer loans

Input Information into Encompass software for consumer real estate loans

Review loan documents for accuracy prior to loan closings

Prepare Loan Funding Worksheet to provide loan disbursement instructions to the centralized Loan Funding Department once loans are closed; provide drafting instructions as needed

Labeling all documents in loan packages or documents received in the mail, with scanning index numbers/loan numbers/SS or Tax ID numbers/comments; add the loan packages/documents to the appropriate scanning/tracking spreadsheet; either scan the documents to our imaging system (some branches), and/or send them (some branches send checklists) to the Doc Review Group to set up tracking requirements

Manages each loan to identify, file, and protect the Bank’s lien on any and all loans, including but not limited to: UCC’s, Deed of Trust, Assignments, Subordinations, etc.

Review documentation exception reports and communicate with borrowers by letter, email or phone requesting on-going financial and collateral documentation.

Complete the Exception Removal Request spreadsheet and forward to the Exception Tracking group to update tracked documents as received

Complete loan advances and transfers, either by paper ticket, or online; update construction draw spreadsheets as applicable; prepare extensions and modifications for loan payments;

Central Notification Systems – Notifying Gins and Co-ops that City Bank has a lien on Crops and/or Livestock

Process/review loan payments; DMI, Private Banking and all loans housed on Silverlake;

Issues cashiers checks

Encoding internal loan coupons, deposit & withdrawal slips

Prepare spreadsheet to track floor plan customers and guidance line activity

Scheduling construction, equipment, floor plan and crop inspections

Utilizing Lien Solutions, order UCC searches and flood determinations; file new and terminated UCC’s, review borrower monitoring alerts

Filing to include collateral safekeeping, bulk filing (some branches), etc.

Customer Services requests:

1. Prepare AFT and ACH set up forms
2. Enters changes in Synapsys for address changes and officer changes;
3. Process wire transfers
4. Provide NADA book value quotes on vehicles,
5. Prepare payoff quotes,
6. Provide loan history information,
7. Compile release of lien documents and etc.

Scheduling appointments for loan officers

Receiving and directing phone calls

Call on past due and NSF customers

Participate in training sessions as required by supervisor.

Other duties, as assigned by Management; some branch Lending Assistants perform additional duties:

1. Open new accounts
2. Perform teller functions
3. Create debit cards and re-pin as needed
4. Accept stop payments
5. Q2 Online Banking resets

As an EEO/AA employer, City Bank will not discriminate in our employment practices based on an applicant's race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, genetic information or status as a protected veteran.

Required Skills

Typing

10 Key

PC Experience

Word\Excel

Photocopier

Fax Machine

Required Experience

High School Diploma

2-5 Years Commercial and Real Estate Loan Experience

Typing

10 Key

PC Experience

Word\Excel

Photocopier

Fax Machine